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119-hr-7681119th CongressWALLET

HSA’s For All Act

Sponsored By: Representative Bean, Aaron [R-FL-4]

Introduced

Summary

Broadens HSA eligibility beyond high-deductible health plans to include qualified ACA Exchange plans and employer group health plans. This bill would replace the old HDHP requirement with a new "covered health plan" test that covers qualified health plans offered through ACA Exchanges and group health plans under the Public Health Service Act.

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  • Families and individuals who buy coverage through ACA Exchanges could open and contribute to Health Savings Accounts if their plan is a qualified health plan. This makes HSAs available to people who previously were excluded because their plan was not a high-deductible plan.
  • Workers enrolled in employer group health plans would also become eligible to use HSAs even when their employer plan is not a high-deductible health plan. This could expand HSA access for many employees who get coverage through work.
  • The Internal Revenue Code would be updated so multiple tax provisions use the new "covered health plan" definition. The change would apply to taxable years beginning after December 31, 2026.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

More people can use HSAs

If enacted, you would be able to open or contribute to a Health Savings Account (HSA) for any month. To qualify, you would only need to be covered on the first day of the month by a "covered health plan." "Covered health plan" would mean either an ACA Exchange qualified health plan or any group health plan. This would remove the current rule that you must have a high-deductible health plan. The change would apply to tax years beginning after December 31, 2026.

Sponsors & CoSponsors

Sponsor

Bean, Aaron [R-FL-4]

FL • R

Cosponsors

  • Rep. Barrett, Tom [R-MI-7]

    MI • R

    Sponsored 2/25/2026

  • Rep. Haridopolos, Mike [R-FL-8]

    FL • R

    Sponsored 2/25/2026

  • Rep. Moran, Nathaniel [R-TX-1]

    TX • R

    Sponsored 3/25/2026

  • Rep. Fitzgerald, Scott [R-WI-5]

    WI • R

    Sponsored 4/22/2026

  • Rep. Moore, Blake D. [R-UT-1]

    UT • R

    Sponsored 5/21/2026

  • Rep. Grothman, Glenn [R-WI-6]

    WI • R

    Sponsored 7/20/2026

  • Rep. Carey, Mike [R-OH-15]

    OH • R

    Sponsored 7/22/2026

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov
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